Achieving financial freedom is a dream for many, but it’s also a goal that requires careful planning and strategic decisions. Jennifer De Leon, a Registered Financial Planner (RFP), understands this journey firsthand. For years, she balanced a career and financial planning, but her ultimate goal was to transition from active income to full capital income—what she calls true time freedom.
As told to Financial Adviser PH, Jennifer’s journey started with basic financial principles instilled in her early in life. “Make money, save, invest, and avoid spending on things you don’t need,” she recalls from the wisdom passed down by her parents. This simple yet powerful advice guided her as she began her journey toward financial independence.
For Jennifer, making the shift from active income to financial freedom wasn’t a sudden decision. “My biggest financial goal right now is transitioning from active income to full capital income,” she says. This transition, she believes, is the key to gaining time freedom—the ability to spend more moments with loved ones and the energy to pursue her passion for helping others build financial literacy.
A crucial step in this transition involved diversifying her investments. Jennifer learned early on the importance of spreading risk and ensuring her portfolio wasn’t overly reliant on one asset. “Diversify—never go all-in on one asset,” she advises. By balancing low-risk and high-risk investments, she has been able to ensure steady growth while minimizing potential losses. Her strategy also emphasizes thorough research before committing to any financial decision.
Jennifer’s commitment to financial planning took a significant step forward when she enrolled in the Registered Financial Planner (RFP) program. “The RFP program gave me the confidence to offer holistic, well-informed advice,” she shares. This certification provided her with a structured approach to financial planning, equipping her with the knowledge to make smarter investment and wealth-building decisions.
Through the RFP program, she adopted a new mindset: “Planning is the key to financial success—and the earlier, the better.” Now, she applies this strategy to both her personal finances and her clients’, ensuring that every decision aligns with long-term goals.
Jennifer’s journey is a testament to the power of strategic planning, diversification, and continuous learning in achieving financial freedom and time independence. Her approach serves as an inspiring model for anyone looking to make the shift from active income to a life of financial security.
